Both drivers in an accident having the same insurance provider is a common occurrence so most insurance companies have an internal system of how to deal with such claims and also subrogation within their own company. It might involve inter-company arbitration or just the claims adjusters processing each claim working together to resolve any issues.

Claims when both drivers have the same insurance carrier tend to be resolved faster since communication regarding policy information, fault etc should be easier than when two different insurance companies are working on claims. For information on how your specific insurance company deals with accident claims where both parties of the accident are insured through them, contact your insurance agent or adjuster in the claims department and ask for information.

How To Deal With Your Insurance Company Regarding Claims is an article in our Learning Center that you may find of help when going through the car insurance claims process.